ikhaya / Inqaku letyala le-720 emva kokugcwalisa ukubhengezwa

I- $ 990 kunye neentlawulo okanye isiCwangciso seNtlawulo -Qalisa i-2020 ngaphandle kweTyala - Isahluko 7

Ishedyuli yexesha kunye neGqwetha lokuBambisa okanye, Biza ngoku i-844-533-3367 ukuze ubhalise.

Khawufane ucinge ukuba unenqaku le720 elikwiphepha lokuthenga ngetyala emva kokugcwalisa ngoBhengezo ngaphakathi kweMinyaka ye2

Sinenkqubo ye-4 inyathelo lokwakha amanqaku akho emva kokuba ebhengeze:

  1. Kuqala, sifumana ikopi yengxelo yakho yamatyala kuzo zonke iiarhente zokunika ingxelo ngetyala ukuqinisekisa ukuba wonke umntu ubandakanyiwe ekugcwalisweni kwamatyala akho.
  2. Okwesibini, sazisa bonke abantu obabamba amatyala, iiarhente, iinkundla, kunye namagqwetha xa sisenza iifayile zokungabinamali.
  3. Okwesithathu, sikubhalisela ikhosi ebiziweyo Amanyathelo e-7 ukuya kwinqanaba letyala le-720 simahla. (Le khosi ihlala ithengisa nge- $ 1000.) Yikhosi ye-intanethi ekufundisa ukuba uyisebenzise njani inkqubo yokunika ingxelo ngetyala ukuze ikusebenzele.
  4. Kwiinyanga ezintandathu emva kokuba ufumene ukukhutshwa, siphinda siqwalasele iingxelo zakho zamatyala. Ukuba kukho nantoni na kwingxelo ekufuneka isuswe sithumela ileta eqinisekisiweyo ecela ukuba loo nto isuswe. Ukuba into ayizisuswanga, siza kukumangalela. Uya kufumana imali kwiCreditor ephula umthetho UMthetho weNkcazo yokuTyala kwaye inkampani yam iyakufumana imirhumo yamagqwetha. Uphumelele.

Ngomgangatho wetyala we720, ungagcina amawaka eedola ngonyaka wenzala kwimali mboleko yemoto, imali mboleko yasekhaya, kwaye ulungele amakhadi okuthenga ngetyala ngamaxabiso abhetele.

Nxibelelana nathi namhlanje ukuze ujonge iinketho zakho

Isiqinisekiso sokuhlawula amatyala
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Amanani ahlukeneyo amatyala aphathwa ngendlela eyahlukileyo yiSahluko 7, 11 okanye i-13 yokuchithwa kwemali.
Ngaba ukhe wafaka imali yokuhlawula amatyala ngaphambili? *
Ukuba uhlala uthumela imali kwilungu losapho okanye uhlawula inkxaso ye-alimony okanye inkxaso yomntwana kunokuba lula ukuba ukulungele ukubhengezwa njengongenamali.
Ukuba utshatile kwaye iqabane lakho lihlala nawe, ingeniso yomlingane wakho ibandakanyiwe kwi-Bankruptcy ukufumanisa ukuba ulungele na isahluko se-7 okanye ukuba kuya kufuneka wenze isicwangciso sokuhlawula phantsi kwesahluko se-13 ukubhengezwa, nangona kunjalo iqabane lakho AKUFUNI fayile nawe.
Ukuchacha akusosayizi enye elingana nayo yonke inkqubo kwaye kuthatha ngaphezulu kwiphepha le-automated iphepha ukunika ingcebiso kwezomthetho.
Ukhetho

Ngaba ufuna ukwazi ngakumbi malunga neKhowudi yakho yeTyala?


Apha ngezantsi kukho iingxelo zenyani yamanqaku okuthenga ngetyala kubathengi bale femu yomthetho efayilishe ukuba ibhengezwe. Nanini na xa sifaka imali yokuhlawula amatyala sijonga kuzo zonke iiarhente zokunika ingxelo ngetyala ukufumana yonke into ekule ngxelo yomthengi yethu ukuze siqiniseke ukuba sifaka yonke into kubhengezo. Khuphela ingxelo yeNqaku lePrimiyamu

Ingxelo yengxelo yeyesibini esitshatileyo esitshatileyo. Inolwazi malunga nayo yonke imigca yamatyala:

  • Iinkcukacha zeakhawunti kunye neBalance-Jonga imeko yeakhawunti, isixa esifanelekileyo kunye neenkcukacha malunga nokuba isetyenziswa kangaphi kwaye nini.
  • Iinkcukacha zokuhlawula-Vavanya ukuhlawulwa kwenyanga, izixa ezifanelekileyo kunye nembali yokuhlawula kwiinyanga ezi-12 ezidlulileyo.
  • Iidilesi ezichaziweyo zokungabinamali-Ukufikelela kwiidilesi zokungabinamali ngenxa yokuhanjiswa kwezaziso.
  • Umthombo womnini kunye neZiphumo-chonga ngokukhawuleza umnini weakhawunti kunye ne-ofisi yokunika ingxelo.

Singakwazi ukukufumanela ikopi yoku nokuba awufuni fayile yokuhlawula amatyala. Njengoko sifumana idatha yomgca wetyala ovela kumava, iTransUnion kunye ne-Equifax ufumana umbono opheleleyo wento ekwingxelo yakho yamatyala. Asixhomekeki kumthombo omnye njengamashishini athile omthetho.

Idatha yeTyala yeZiko

Isisombululo somngcipheko we-Lexis NexisSikwafumana ulwazi lwangemva kwiLexisNexis Risk Solutions. Bakhokele kushishino kwiirekhodi zikawonke wonke ukuze sifumane ulwazi malunga nokuhlawula kwakho, izigqibo kunye namatyala ukuba akhona.

Amanqaku okuthenga ngetyala ngetyala

Lithini inqanaba lakho letyala kwaye uza kuba yintoni uNyaka emva kokubhengezwa?

I-CreditXpert ibonelela ngamanqaku etyala elikhoyo kunye noqikelelo lwasemva kokuchithwa kwemali esekwe kubuchwephesha bobugcisa obuphambili kunye neendlela zohlalutyo lobuchule. Oku kukuvumela ukuba ubone kwikamva lakho emva kokubhengezwa ukuba ubonile ukuba amanqaku akho aya kunyuka, uhlale unjalo okanye uye ezantsi xa ungenzi nto.

Asinguye wonke umntu obona ukonyuka kwinqanaba lakhe lokuthenga ngetyala, kodwa ngezantsi amanye amanqaku abathengi beli ziko lomthetho abavumileyo ukusivumela sabelane ngamabali abo. Lonke ulwazi lobuqu luvinjelwe ngaphandle, kodwa sinokunika imvelaphi engezantsi yokuba kutheni amanqaku enze le nto ayenzileyo.

Kule meko, umntu owenza isicelo sokugcina ikhaya kwintengiso yangaphambili. Imali mboleko yasekhaya yayingekabikho ngegama lakhe kwaye ebengenazo naziphi na iintlawulo ezifike kade okanye ezinye ierekhodi ezisebenzayo ngaphandle kweMali mboleko yomfundi. ICredXpert yayiqikelela ukuba amanqaku ayo awatshintshi.
Isibini esitshatileyo sigcwalisiwe kuba babengaphezulu kwe- $ 75,000 ematyaleni kumakhadi okuthenga ngetyala kunye namatyala okunyanga. Zombini zinemvelaphi eyahlukeneyo yokuthenga ngetyala, ke loo nto amanqaku awo achaphazeleka ngendlela eyahlukileyo. Inqaku elinye laqikelelwa ukuba linyuke ngamanqaku e-109 ngelixa elinye amanqaku kwakuqikelelwa ukuba aye phezulu kwi-66 amanqaku. Umntu onamanqaku asezantsi wayeqikelelwa ukuba uza kufumana amanqaku aphezulu ngonyaka.
Lo mntu wayenekhaya kwimbonakalo kwaye $ $ 40,000 + ngasemva kumakhadi etyala. Sisindise ikhaya ngokutshintshwa kwemali-mboleko, kodwa saqala safaka isahluko 7 ukuze sikhuphe imali engakhuselekanga emva koko safaka isahluko 13 apho ibhanki yavuma ukuguqula ityala. (Isahluko 7 kunye nesahluko 13 sibizwa ngokuba yi-20 yesahluko njengoko zisenzeka njalo.)
Lo mntu ukhethe ukwenza ifayile yokukhupha ityala lokugula, ityala lekhadi lokuthenga ngetyala, kunye nokubuya kwemoto esele iphindaphindwe. Emva kokurhoxiswa kwezinye iindleko babekwazi ukugcina imoto bekwazi ukuhlawula iintlawulo.
Lo mntu ukhethe ukuhambisa ifayile kuba babehlawulwa imivuzo yabo. Ukuhombisa kunye nawo onke amanye amakhadi etyala athabatha emveni kokuba kunikezelwe.
Inqaku le-41 lokulahla i- $ 80,000 + ematyaleni kwaye ujike emotweni abangasafuni kugcina. Izinga lenzala yi22.9%. Esi sicwangciso salo mntu yayikukufumana imoto entsha emva kokuba begcine imali eyaneleyo yokuhlawula ngaphandle kokuthatha imali mboleko.
Lo mntu wayexelwe kwangaphambili kuphela ukuba abone inzuzo ye-34, kwaye amanqaku ayesaziwa kwangaphambili ukuba aphantsi. Nangona kunjalo, babengenayo imbali eninzi yamatyala okuqala kwaye yayimbi kakhulu kuyo yonke indlela. Emva kokukhutshwa, ngoku banamakhadi e-3 amakhadi etyala ekumeni okuhle kwaye alandela amanyathelo e-7 kwinkqubo ye-720 yamanqaku etyala.
Lo mntu waxelwa kwangaphambili ukuba abone inqaku le-28 liyehla kumanqaku akhe etyala. Wafaka isicelo sokugcina i-condo yakhe ekubeni ibonwe ngaphambili ngumbutho wakhe weCondo. Wayesemva kwezinye izinto ezininzi. Isahluko sakhe 13 samvumela ukuba afumane isicwangciso kunye ukuze asindise ikhaya lakhe.
Kwaye kule meko, kuphela kwenqaku le-19 yenqaku elixelwe kwangaphambili. Kodwa, i- $ 33,000 + kwikhadi letyala kunye namatyala asemthethweni acinywe emva koqhawulo mtshato. Akusekho ntlawulo yezomthetho kwakhona evela kwigqwetha elalizama ukubiza i- $ 25,000 ngoqhawulo mtshato. (Woke wazibona iimpawu zoqhawulo mtshato ze- $ 399 ecaleni kwendlela? Musa ukubakholelwa ukuba ufuna ukuqesha igqwetha ukuba lilwele ukungabinanto yokwenyani.)

Ngaba uyafuna ikopi yengxelo yakho yamatyala ngesibhengezo sokuba uza kuba yintoni unyaka wakho emva kokubhengezwa?

Kwi- $ 247 siza kuqhuba ingxelo yakho kwaye senze amalungiselelo okuba igqwetha ligqithe kuwe. Samkela intlawulo nge-Pay Pal yokuqinisekisa iintlawulo ezikhuselekileyo. Sifuna idilesi yakho yangoku, iNombolo yoKhuseleko lweNtlalo kunye noMhla wokuzalwa ukufikelela kwingxelo yakho yamatyala. Ukuba ukhetha ukufakela ukubhengezwa njengamatyala, siya kubamba ngetyala i- $ 247 ukuya kwimali yokugcwalisa.


Ngaba kunokwenzeka ukuba ukulungisa ityala lakho kwiminyaka ye-2?

Ewe unga. Kutheni abantu abangaphezu kwe-50,000 basebenzise amanyathelo e-7 ukuya kumanqaku etyala e-720? Kuba kulula. Ukuba uya kubo website baya kukunika izifundo ezibini zasimahla. Wonke umntu owenza iifayile zokungabinamali kuthi ufumana le khosi mahala. Sithenga ngobuninzi, ke sifumana isaphulelo esithe nkqubela ekhayeni.

Ukuba ufuna nje ukulungisa ikhredithi yakho, siya kuthengisa nge-1 / 3 yale nto unokuyithenga kwikhompyutha. Ukuba uthatha isigqibo sokufaka ukungabinamali kwifayile yethu, siya kukuhlawula ngesi sixa kwifayile yakho. Ukuba ufuna ukufumana zombini ikhosi kunye nengxelo yakho yamanqaku etyala ngaphandle kokufaka iifayile kubhengezwe sibiza i- $ 487.


Amanyathelo e-7 ukuya kwi720 Score yeTyala


Ukuba ufuna ukuthetha negqwetha malunga nokubhengezwa, oko sikwenza MAHHALA. Sitsalele umnxeba ngoku ukuze uhambe kuzo zonke iinketho zakho.

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